Loan Features
12 articles.
Offset Account vs Redraw: What's the Difference?
Offset accounts and redraw facilities both reduce interest, but they work differently. Compare access, tax impact for investors, and which suits you.
How an Offset Account Can Save You Thousands (With Real Numbers)
See how much an offset account could save you in interest and years off your loan, with worked examples at 2026 interest rates.
How Much Do Extra Home Loan Repayments Really Save?
An extra $100, $200 or $500 a month can take years off your mortgage. See the real savings at 2026 rates, plus when extra repayments aren't the best move.
Comparison Rates Explained: Why the Headline Rate Isn't Everything
What a comparison rate includes, why it's based on a $150,000 loan, and when it can mislead you. A practical guide to comparing home loans properly.
Weekly, Fortnightly or Monthly Repayments: Which Saves More?
Paying your home loan fortnightly can save tens of thousands, but only if you do it the right way. Here's how repayment frequency affects your interest.
Package Home Loans vs Basic Loans: Is the Annual Fee Worth It?
Package home loans bundle an offset, rate discounts and fee-free cards for an annual fee. Basic loans are cheaper but simpler. Here's how to choose.
Buy First or Sell First? Your Finance Options When Upgrading
Upgrading your home? Compare selling first, buying first, bridging finance and long settlements, and how 2026's slower market changes the decision.
Home Loan Portability: Taking Your Loan to Your Next Home
Loan portability lets you move your existing home loan to a new property. Here's how it works, when it saves you money, and when refinancing is better.
How to Finance a Renovation: Comparing Your Options
Redraw, top-up, cash-out refinance, construction loan or personal loan? Here's how to choose the right way to fund your renovation, with pros and cons of each.
Knockdown Rebuild Finance: How It Works
Love your location but not your house? How knockdown rebuild finance works, from demolition and temporary accommodation to construction loans and valuations.
Land Loans: How to Finance Vacant Land
Buying vacant land to build on later? How land loans differ from home loans, typical deposits, lender restrictions, and NSW stamp duty for first home buyers.
Joint Home Loans After Separation: Your Options
What happens to a joint home loan when a relationship ends? Options for refinancing into one name, selling, and protecting your credit during separation.
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